is an independent financial professional who thoroughly understands the financial issues faced by retires and

pre-retirees.

Securities and advisory services offered through Madison Avenue Securities,LLC. (MAS), a registered investment advisor; member FINRA and SIPC MAS and M. W. Richards Financial are not affiliated companies. Mark W. Richards is securities licensed in the states of CA, CO, CT, FL, NC, NM, OR TX, and WI. Mark W. Richards is also licensed to provide advisory services in the states of NM and TX. Mark W. Richards is insurance licensed in the states of NM.